Auto Insurance in Colorado, AND now in 34 other states!
Youthful & Young Drivers
We are your insurance guide to helping young drivers find the best insurance rates. It might seem hopeless at first, but that’s why agents like us are here!
You couldn’t wait for the day when Mom and Dad handed over the keys to your first car. A vehicle symbolizes freedom, of being one step closer to becoming an adult and it also means being financially responsible for your actions while driving a car. Wait, what? Pump the breaks, being responsible for what?
Financial responsibility or insurance, you know it’s that little piece of paper in your glove box that says you are coveredin the event of an accident. Well, somebody has to pay to have that coverage, and now you are in the driver’s seat, and that somebody just might be you. So here is a little cheat sheet to help you understand auto insurance just a little bit better.
What Is A Youthful or Young Drivers Exactly?
Alas, one of the few times in life when youth is not necessarily a plus. You see insurance companies view drivers between the ages of 16-25 (sometimes higher depending on the company) as inexperienced and charge significantly higher rates for it.
Young Drivers tend to rack up speeding tickets twice as fast as more experienced drivers.  Don’t be despaired, although you can’t convince the insurers to lower their premiums because you promise to be a safe driver; many will offer discounts for being a responsible automobile owner. Â
Best Insurance For Young Drivers
Young Drivers have your auto policy or are still with your parents, these five pro tipswill help with the premiums.
Pick a car that insurers deem safe or cheap to insure. Every year the insurance institute comes out with its “safest” cars list.
Drivers with no tickets or accidents will have a lower premium, every year that your record is clean; your premiums will get better.
Hit the books. Many companies will offer a good student discount if you are still in school.
Companies like Progressive will offer a safe driver discount for no accidents or tickets in the last three years.
Pay your bills on time. Don’t let your insurance lapse; look for paid-in-full discounts or automatic withdrawal discounts.
For more about other factors that go into your auto premiums, check our article about factors that determine your insurance rates
Do I Need Insurance as Young Drivers?
You absolutely need insurance. Now, whether you need your own policy or if you need to be added to your parent’s policy will depend on a few things.
If you have a car and it is on your parent’s policy because it is titled to them, you will be added to their policy.
Young Drivers, you don’t have a car but have a license you should be added to your parent’s policy.
If you are still considered a young driver but purchased the vehicle yourself, you can be on your own policy.
Our auto insurance buyer’s guide will educate you on the coverages and limits offered on auto insurance policies. If you are still a bit fuzzy on the ins and outs of auto insurance, we here at A Plus Insurance are happy to help.
Motorcycles, RVs, ATVs, life insurance, you name it…we can help!
I have used this company for a long...read moreI have used this company for a long time and I couldn't ask for a better insurance lady. I rate 10/10 recommend Chrystalread less
Coleson
3/01/2023
Had a wonderful experience with A Plus Insurance....read moreHad a wonderful experience with A Plus Insurance. Lauren was a big help, very prompt in responses and got me a great deal on insurance! Highly recommend!read less
Ellie P.
7/21/2020
Jolie did an amazing job and was very professional.
Joseph H.
10/21/2021
Excellent customer service and stayed in contact with...read moreExcellent customer service and stayed in contact with me through the whole process,loved it it was an excellent experience as far as buying car insuranceread less
Shane M.
3/18/2023
Very great service thank you
Insurance policy notes:
2001 Mazda...read moreVery great service thank you
Insurance policy notes:
2001 Mazda MPV with liability only for one driver in Colorado. SR22 filing.read less
bill l.
6/21/2022
Customer service was outstanding
Insurance rating factors: Non...read moreCustomer service was outstanding
Insurance rating factors: Non Owners, SR22 filing, minor ticketread less
Rudell D.
5/21/2022
My agent Justine was WONDERFUL! She was fast...read moreMy agent Justine was WONDERFUL! She was fast and efficient! Cheapest insurance ever.read less
Cierra S.
8/21/2021
Sy was great!
godfrey h.
7/21/2020
I have changed my Car Insurance to A...read moreI have changed my Car Insurance to A Plus Insurance and have saved so much, thank you Lauren for all your help!read less
Selma V.
2/22/2023
I was in need of insurance and quickly,...read moreI was in need of insurance and quickly, behold I stumble across Marlon. The best customer service I’ve ever received. Marlon made finding insurance and setting up a policy waaaay easier than I thought it was going to be! I will forever be thankful for Marlon, I will always think of you. Thank you so much Marlon!!!!!!!!!!! 💖read less
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3/01/2023
Insurance provisions: first time resident 55 acquire...read moreInsurance provisions: first time resident 55 acquire fast home insurance print UT Prior insurance: None... Looking to bundle auto insurance for Subaru. read less
Young J.
7/14/2022
Very sweet lady I talked too! She was...read moreVery sweet lady I talked too! She was very patient and helpful. Definitely happy I called them!read less
Brittny R.
7/21/2021
Jola was incredibly helpful in setting up my...read moreJola was incredibly helpful in setting up my home and auto insurance. She got me the best rates out of multiple quotes I had received and was helpful through the whole process.read less
Nathan W.
10/25/2022
JOLA IS AMAZING! She helped me through every...read moreJOLA IS AMAZING! She helped me through every single step of the insurance process and helped me get the cheapest quote possible. I saved over one-hundred dollars becalming her this morning, by the end of the day I had signed a policy that was hundreds cheaper than my last policy. She even helped me bundle our renters insurance and auto into one easy payment. Thank you so much Jola, we will definitely recommend this company based on your patience and attention to detail alone!!!read less
Brandon S.
7/21/2020
Ms. Mckenzie was incredibly professional and very helpful!...read moreMs. Mckenzie was incredibly professional and very helpful! What a great part of your team: lucky to have her on your team.
Notes: No SR22 required, but violations still impacted rate. Affordable liability only insurance on a 2008 Toyota Tundra. One male driver age 45read less
P B.
6/30/2022
She did a great job and explained everything perfectly.
toria t.
3/21/2022
Lauren was Very perfessional very polite and easy...read moreLauren was Very perfessional very polite and easy to talk to great experience, and a great quote couldn't of gone better!read less
Kaynin C.
11/21/2021
Awesome saved us tons!!!
Thug W.
6/15/2022
Great great service. Glade I met them. Will...read moreGreat great service. Glade I met them. Will highly recommend them.read less
Billie P.
3/08/2023
Was very friendly!
Mandy T.
7/21/2020
Cameron did a great job!!! He got me...read moreCameron did a great job!!! He got me a great dealread less
Sandra H.
3/16/2023
Notes:
single Female 29 value Quality motorcycle insurance uninsured...read moreNotes:
single Female 29 value Quality motorcycle insurance uninsured UT Prior insurance Liberty Mutual Hyundairead less
graziella g.
5/21/2022
I went direct to the insurance company and...read moreI went direct to the insurance company and then to A Plus Insurance and they were able to save me $70+ a month. Rates can't be beat. Alexandra was personable and very well informed. She was able to explain everything to me and made the buying process an enjoyable experience.read less
